When you find yourself strapped for cash, life can be very stressful. It can cause sleepless nights, bad habits and put added strain on your relationships. There are so many ways and thoughts about how to go about getting extra cash. Whether it’s starting a service, completing online application forms, or having a yard sale and getting rid of your unwanted items, there is cash to be had.

If you prefer to take the simpler route, or you have tried the other routes without any luck, then taking out a loan is definitely something to be considered. It’s important to know what each loan offers you. From car title loans, to payday loans, student loans to home loans. Each one comes with its own details and lending criteria, and if you aren’t sure what you’re getting yourself into you may find that you have secured the wrong type of loan for your needs.

If you’re looking into a short term loan, then the ones to consider are car title loans and payday loans. Car title loans offer a wider access to fast cash than many other loans. Take payday loans for example. They allow you to be approved for a short term cash loan, by showing a proof of steady income, as you are required to make your loan repayments once your next pay check comes in. If you find yourself unemployed, then applying for this type of loan would just be a waste of time.

The only criteria for accessing instant cash loans with a car title loan, is that you are a vehicle owner. So if you own your car, then this loan is for you. It works on a security basis, which comes from offering your car as collateral. You aren’t asked to trade in your car for cash, you simple hand over your car title for the loan duration, look at it as your security deposit.

With a car title loan, you can secure up to $20K in cash. The value is determined based on the value of your car, which is evaluated once you apply. The approval process is very fast and it takes just one hour to receive that extra cash. Some providers offer around the clock service, which means that you can apply for the loan online from the comfort of your home, and even if it’s the early hours of the morning, you can swing on down to collect your cash once your loan has been approved.

Car title loans offer access to cash for a variety of people. Unlike banks and other conventional lenders, car title loan providers don’t request your credit or employment records in order to determine your eligibility to be approved for a cash loan. So if your credit is at an all-time low, or you’re self-employed or unemployed, you still have the opportunity to get your hands on some instant cash loans. It really is that simple.